Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Benefits & Insurance Concepts LLC Health | Health | Pro |
Broker: Onedigital Expresslink LLC DentalVision | DentalVision | Pro |
Broker: Brs Group Ltd Life | Life | Pro |
Broker: Linda Wells Health | Health | Pro |
Broker: Brs Group Ltd STDLTD | STDLTD | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Aultcare Insurance Company | Pro |
Carrier: Community Insurance Company Dba Blue Cross Blue Shield | Pro |
Carrier: Community Insurance Company Dba Blue Cross Blue Shield | Pro |
Carrier: Anthem Life Insurance Company | Pro |
Carrier: Anthem Life Insurance Company | Pro |
Carrier: Amfirst | Pro |
Carrier: Amfirst | Pro |
Carrier: Amfirst | Pro |
Carrier: Amfirst | Pro |
Carrier: Unum Life Insurance Company of America | Pro |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 217 | $2.3M |
| Dental | COMMUNITY INSURANCE COMPANY DBA BLUE CROSS BLUE SHIELD | 234 | $98K |
| Vision | COMMUNITY INSURANCE COMPANY DBA BLUE CROSS BLUE SHIELD | 234 | $98K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 267 | $97K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.